Google Payments Live – Google Wallet updates
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Google Payments Live – Google Wallet updates

BILL LUAN: Shanghai
GDG is a very interesting developer community. FEMALE SPEAKER: I’m
glad somebody has asked this question. MALE SPEAKER: This is where
the magic happens. FEMALE SPEAKER: This is
primarily a question and answer show. So if any of you out there would
like to ask questions– MIHAI IONESCU: Hello. Welcome to Google
Payments Live. We have a very exciting session
today about one of the coolest products at Google. And our special guest is Robin
Dua, head of product management for Google Wallet. And of course, we’re going
to talk about all the new exciting developments around
Google Wallet. So let’s start with an
easy question, Robin. What is Google Wallet? ROBIN DUA: Great. Well, first off, thanks for
having me here today. Google Wallet is an electronic
wallet that allows you to store all your credit cards,
debit cards, loyalty programs, as well as offers that you’ve
clipped from different places, all in one place that are easily
accessible through your phone as well as online. Users could access their Wallet
both online as well as through their phone for
making purchases. And it’s also a great way for
users to be able to discover great offers that they’re
interested in and save money. MIHAI IONESCU: Great. So we recently announced
that we moved all cards to the cloud. Can you tell us a little bit
more about the technology behind this transition? ROBIN DUA: Sure. Well, let me just start by
talking a little bit about the momentum that has really
accelerated around the product since we launched Google
Wallet back in September of last year. We started with one bank
partner, which was Citibank, and we had one carrier
partner, Sprint. And users were only able to use
a single device when we launched, which was the
Nexus S device. And since then, we now support
a total of six devices on two carrier networks, both Virgin
Mobile as well as Sprint. And there’s 25 national
retailers that are showcasing the full Google Wallet user
experience that combines offers, payments, loyalty as
part of our single-tap user experience that we created. And what single-tap allows a
user to do is with one tap they’re able to transmit their
payment information, their loyalty information, as well as
coupons that they’re trying to redeem, all with
a single action. And these national retailers
have done a special integration to create that
user experience in their stores as part of the purchasing
experience. We also have a total of about
200,000 locations where users could actually tap their phone
and pay for things using Google Wallet. And that number is continuing to
increase month over month. And we’re excited by the fact
that retailers are continuing to add contactless readers
to their point of sale. And there’ll be a lot more
places to use it. In terms of the reference that
you made to our support for all cards in the Wallet, we’re
really excited by the announcement we made at the
beginning of August where Google Wallet now supports all
your credit and debit cards. So you can link any Visa,
MasterCard, Amex, Discover branded card to your Wallet
and use it not only for in-store purchases using the
phone but use it online as well at participating
retailers. And the nice thing about Google
Wallet is the Wallet could also be used for purchases
through Google Properties as well, like the
Google store where you could buy applications,
digital content. You can also use it to buy
digital content through YouTube as well as the Chrome
store and other properties as well. So Google Wallet is really
becoming the central way to make purchases, not only on
Google Properties but in store as well as online as well. MIHAI IONESCU: Sounds
exciting. How about a demo? Can you show us how the
new Wallet works? ROBIN DUA: Yeah. Absolutely. I’d be excited to show you
guys a new version of our application that we launched
at the beginning of August. PENG YING: Our producer, Louis,
has heroically given us his Galaxy Nexus to play with. ROBIN DUA: Great. Well, let me just start on
the main screen here. So what users are looking at
right now is the main screen that you see when you go
into Google Wallet. So there’s four icons
on the main screen– Payment Cards, Rewards Cards,
Offers, and Transactions. So if I go into Payment Cards,
this is where I would see the cards that I’ve added to Google
Wallet, either online or through the application
itself. And the nice thing about the
application is I could go in and add cards any time if I
choose to add additional credit or debit cards to
my Wallet application. In addition to that, we’ve got
a prepaid card which is available for users that want
a stored-value-based product to transact with. And here you could see all the
cards that are in the Wallet that I’m demoing. So there’s an Amazon Visa. There’s a United Visa card. I could also add additional
gift cards into the Wallet as well. So just going back to the main
screen for a second, I could also discover offers from
participating merchants that I might be interested in. So here I could see offers
from Foot Locker. There is some offers from
American Eagle, and other nearby retailers as well. PENG YING: Oh, my. $7
off large pizzas. ROBIN DUA: That’s right. PENG YING: Where’s that from? ROBIN DUA: That one is actually from Mario’s Italiano. MIHAI IONESCU: Sounds
delicious. ROBIN DUA: That’s only 1.7 miles
away, so maybe we could get over there for
lunch after. PENG YING: Early lunch. MIHAI IONESCU: I’m getting
hungry already. ROBIN DUA: That’s right. Exactly. So you could see that there’s a
lot of offers that are shown here in the list. And what we’re trying to do is
increase the offers inventory so that everybody could find
great deals from merchants that they love. And the other thing to just
highlight here is you could see all the transactions that
you made using Google Wallet, both online as well as in-store
transactions that you made with the phone. And if you click on one of
these transactions in the history, it’ll show you the name
of the retailer, the date and time that you made the
transaction, the amount, the payment method that you used
to make the transaction. And if you’ve enabled it in the
application itself, it’ll also show you a map of where
you did the transaction. And this is a great way for
people to see where they actually did a transaction. It kind of is a nice way to
jog their memory about a particular retailer where they
transacted and they want to remember where it was. PENG YING: That’s for those,
like, hazy bar nights, right? You’re like, oh, man– ROBIN DUA: Exactly. PENG YING: –where was I? ROBIN DUA: For those bar nights
where you had a great time and you want to figure out
where it was and you don’t really remember, you could go
into Google Wallet and see a little map. And it’ll tell you how
to get there, so. So those are some of the core
features of the Wallet application. So key things to highlight that
we did as part of the August release– one is
we now support all cards in the Wallet. PENG YING: Awesome. ROBIN DUA: Two, we actually
enabled some additional security features for users. So users can now go online. In the event that they lose
their phone, they could actually disable Google Wallet
on their phone remotely. And what this web-based feature
does is it also wipes out any information that’s
stored on your phone related to your Wallet. So there’s added peace of
mind there for users. And the third thing that we’ve
done is we’ve enhanced the user interface to make it a
lot more user friendly. And you could see that just
adding cards to the Wallet could be done with just
a few clicks. And we’re really excited
about that. PENG YING: OK. That’s pretty awesome. So you previously talked about
the growth that we’ve currently experienced and then
where we are right now. But I guess everybody is
interested in where we go in the future. What are we doing to try to
drive growth, both in terms of number of users of Wallet and
the number of merchants who support Wallet? ROBIN DUA: Right. Well, the vision behind Wallet
is we want it to be an electronic wallet that holds
all your payment cards, loyalty cards, gift cards, but
also other types of digital objects, things that you have in
your physical wallet today. So things like identification,
as an example, or the transit pass that you use every day,
also boarding passes, and other forms of loyalty,
and so forth. So what we’re trying to do is
electronify all of these things and make them easily
accessible through the phone, but also available for online
purchases and interactions online as well. In terms of distribution, as I
mentioned earlier, we have six devices that we support today. We think NFC is going to become
a standard feature of all smartphones over the
next little while. And we’re already starting
to see evidence of that in the market. And as a result of that, we
want Google Wallet to be available on all devices
and all platforms. And we want it to be the
preferred way that consumers pay for things. PENG YING: So what
about merchants? How are we driving merchant
adoption? Is it just because we’re driving
user adoption and merchants are like, uh-oh, OK,
there’s more users so I should just support it as well? Or are we helping them
with point of sale or anything like that? Can you even get into
that at all? ROBIN DUA: Yeah. No. Absolutely. So one of the things that we’ve
done is we’ve actually created single-tap, which allows
merchants to integrate our technology into their
point-of-sale system to enable this great one-tap user
experience that combines offers, payments, loyalty into
a single interaction. One of the things that we’re
trying to do is actually enable more cloud-based services
for retailers. So things like being able to
enable delivery of coupons as well as loyalty information
from the cloud back to the point of sale. And we’re also enabling
cloud-based tools that allow retailers to create customized
loyalty programs and targeted offers campaigns and really get
a great set of analytics that they can have access to
to know who their customers are, how they’re shopping at
their locations, and whether the campaigns are effective in
terms of bringing users back into their stores and increasing
the basket size of their purchases. So one of the things that we’re
trying to do is really make it easy not only for the
large retailer to use these tools for offers and loyalty
programs, but we want to make it accessible to small to
midsize retailers as well. And so over the next little
while, you’re going to see Google Wallet create these new
cloud-based services that will make couponing campaigns,
loyalty campaigns accessible to all merchants. PENG YING: So it seems like you
are trying to tie online traffic with brick-and-mortar
store traffic, right? That’s the goal? One of the goals. ROBIN DUA: That’s one
of the goals. PENG YING: One of the goals. ROBIN DUA: And if you look at
what we’re trying to do through the Wallet from a
consumer perspective, which is helping them discover great
offers that they’re interested in and helping them connect with
merchants that they love. On the merchant side, we’re also
trying to make it easier for them to connect with the
consumers that are shopping in their stores and help them bring
those consumers back into their stores. PENG YING: Seems really useful
to be able to say, hey, why don’t you come back some time? So now that we talked about
that a little bit, can you kind of expand on the vision
of what we hope the Wallet ecosystem will be? What we hope to enable both
users of Wallet and any additional features and
functionality for merchants of Wallet to be able to offer? ROBIN DUA: Right. So, in terms of what we envision
Wallet becoming, we want it to be a platform where
merchants could integrate their loyalty programs and
offers campaigns easily into Wallet and not have to do
extensive point-of-sale integrations. And what we’re focused on is
making it super simple for merchants to take advantage of
these programs, with either doing no integration at all
and just leveraging their existing card network processing
that they already have in place. And in some cases, just
providing light APIs that would allow merchants to do
some of the things that I talked about earlier. And from the standpoint of other
partners, one of things that we’re trying to do is make
it easy for airlines, transit providers, other types
of issuers of credentials, make it super simple for them
to get their credentials stored in the Wallet. And then this is where we kind
of envision an open platform where we will allow all sorts
of partners to be able to issue their credentials into the
Wallet and allow users to use them, not only with the
phone but also online as well. PENG YING: Finally, I could
totally just throw away my wallet– except for
cash, I guess. I could probably carry a money
clip around or something. ROBIN DUA: That’s the goal. We want you to be able to leave
your leather wallet at home and carry your phone and
transact with that as your primary transaction device. PENG YING: It totally
makes sense. I don’t think I leave the house
without my phone anyway these days, so. And then one last question– now that you’ve talked about all
of these things that we’re trying to do, how can developers
interact with these products that we’re going
to deploy or that we’re going to launch? ROBIN DUA: Well, so one of the
things that we’ve done is we’ve launched a set of APIs for
specific partners today. So we have APIs that allow
issuers, as an example, to integrate to us and enable their
users to save a credit or debit card from internet
banking or mobile banking applications directly
to Google Wallet. And we announced a partnership
with Discover back at Google I/O, which was just
a few weeks ago. And we have a bunch of other
card issuer partners that are going to be announcing
the support for those APIs very soon. So users will be able to go into
their internet and mobile banking applications to store
cards into Wallet. One of the nice things that
we’ve done on that front is issuers could actually provide
us with their card art so that when a user saves a card into
the Wallet, the user actually sees a great representation of
that physical card that they have in their leather wallet
in the phone as well. PENG YING: Cool. ROBIN DUA: And we’ve also got
a set of APIs that we announced at Google I/O that
allow merchants to integrate a Save to Wallet button into their
email, as well as web marketing campaigns that
they’re doing. So a user would see the Save to
Wallet button and be able to clip a coupon electronically to their Wallet. And that coupon would be
available through the application on their phone. And with our single-tap
technology, the coupon could be used there or using a show
and scan type experience. So those are just two examples
of the types of APIs we have available today. And we’re working hard to create
a set of APIs that’ll allow other types of partners
integrate into Wallet and take advantage of storing credentials
to the Wallet, but also other features as well. PENG YING: So if a developer
wanted to get started with implementing some of these APIs
today, where would they go to find out more
information? ROBIN DUA: Well, we’ve
got a partner website set up for issuers. So there’s a dedicated site for
that where card issuers could learn more about the APIs
and sign up on the site. There’s also a dedicated site
for merchants, as well, which is available. And then provides all sorts of
information about how to get access to the Save to Wallet
button and the APIs and how to integrate it into their
marketing campaigns online. And it’s super simple
to integrate these APIs, by the way. It’s just really a matter of
days and in some cases, hours. It’s not a lot of work. PENG YING: Yeah. We try to simplify as
much as we can. So that site’s, I believe? ROBIN DUA: Yeah. If you go to,
this is a consumer site. But you can actually access
some of the partner sites through there as well. PENG YING: Got it. MIHAI IONESCU: So we get a lot
of questions from developers and merchants about adoption. And along those lines, can you
talk a little bit about NFC adoption and second,
about availability on additional carriers? ROBIN DUA: Sure. Great question. When we first launched, we had
one device that supported Google Wallet. And we’re up to six phones today
on two carrier networks, Virgin as well as Sprint. And we’re looking to expand
our carrier distribution. We’re in discussions today
with a number of other carriers and hope to make some
announcements over the next little while. So stay tuned for that. Just on the device question, we
are going to see NFC become a standard feature of every
smartphone device. This is a trend that is
taking place today. Actually, a very good indication
of that is the Galaxy S3, which launched
a little while ago. It sold 10 million devices
in the first two months. And this was a flagship device
of Samsung’s and has NFC as a core feature in there. And what’s driving the NFC
adoption in phones is not just the payments-use cases, but it’s
also use cases like being able to share content between
devices as well as pairing, say, a handset as well as a set
of speakers or headphones to the device as well. So there’s a lot more
applications for NFC. And you will see NFC become
a core feature just like cameras, Bluetooth, Wi-Fi,
things that we kind of take for granted today. Yeah, who thought a few years
ago that cameras would be in every smartphone? So NFC is going to take the
same position in terms of being a core feature
in devices. So that is actually
going to drive adoption of Google Wallet. And we’re quite excited about
the trends that we’re seeing in the market. MIHAI IONESCU: Great. Fantastic. Another question we get from
a lot of our developers, in particular international
developers– we have plans to go
internationally and what’s stopping us? Why the delay on making
this available outside the United States? ROBIN DUA: Right. Well, great question. We obviously wanted to get
Google Wallet perfected and working here in the US. We’re a global company. We certainly have an interest
in bringing Google Wallet to other markets overseas. And what I can tell you is we
are actively planning the roll-out of Google Wallet
in other markets. So stay tuned for some
announcements there. I don’t have anything to share
at this point, but we are actively pushing hard
to bring Google Wallet to other markets. PENG YING: So next year? Next two years? ROBIN DUA: Stay tuned. Stay tuned. PENG YING: All right. MIHAI IONESCU: We’ll keep
people updated. We have shows every
couple of weeks. PENG YING: Yeah. Yeah, that’s true. MIHAI IONESCU: We’ll
let you know. ROBIN DUA: That’s right. Exactly. You could have me back
on another show. MIHAI IONESCU: We’ll
definitely– PENG YING: Next time, yeah. MIHAI IONESCU: –do
that, I guess. Let’s talk a little bit about
other merchant-led initiatives, like the
MCX initiative. If you want to talk a little
bit about it or other wallet-related products. ROBIN DUA: Sure. So this is actually a really
good point that there’s going to be a lot of wallets
out there over the next little while. And we actually think it’s a
great thing for there to be lots of competition because it
actually makes the product better at the end of the day. It forces everybody to really
think through what are the user experiences that
people want. And it forces everybody to build
better products at the end of the day. It also helps on two
other fronts. One is those wallets out there
that are taking an approach to use NFC technology in the phone
are actually going to encourage retailers to install
contactless readers into their point-of-sale system. So this will actually result
in much greater interest on the part of retailers
to upgrade point-of-sale terminals. And the other effect that it
has is on the device side. I think OEMs are already
motivated by the exciting use cases that NFC offers. But with more wallet providers
out there and consumers having a choice, I think OEMs will be
much more motivated to put NFC into their devices. So all of these things will
actually result in increased momentum around mobile payments
in the market, which I think is a great thing
for Google as well. The other thing I just want
to highlight is from the standpoint of differentiation. We’ve adopted a new approach
as part of our recent Wallet release. We’ve moved the Wallet
to the cloud. And all a user’s payment
credentials are now stored securely on servers
in the cloud. And what this offers users the
ability to do is access their Wallet through any device
and through any channel. And under the old model that
we had, we were actually integrating with each
card issuer. And this integration, from the
time of negotiation to integration, would take
anywhere from six months to a year. And under this model, the
cards were stored in the secure element in
the NFC device. We just didn’t feel that this
model was very scalable. It would literally take a
lifetime to get through the 8,500 or so issuers that
are in the US. And so by adopting this
cloud-based approach, we greatly simplified not only the
user experience because now I could have a wallet with
all my cards and other credentials made available to
me through any channel. But it also gives me a lot of
flexibility to transact in ways that I didn’t have the
opportunity to before. But also on the issuer side,
issuers are excited about the new cloud-based approach because
the time to market for them in terms of enabling their
cards to work with NFC has been reduced
to almost zero. And in some cases, issuers could
say, I don’t want to do any integration. I’m happy just providing you
with card art and having my card represented in
the Wallet so that consumers see my brand. But we also have a set of tools
and APIs that issuers could integrate if they want
to enable features like enabling their users to save
cards to the Wallet directly from internet banking or
mobile banking sites. And that’s a really lightweight
integration that doesn’t take six months
to a year. It actually just takes a matter
of days or a few weeks at the most. So I think this is actually
a really important point. Because there are a lot of
wallet providers out there that are stuck on this approach
of let’s integrate with every issuer and let’s
enable this over the year, provisioning of cards to
the secure element. And it’s just not a
scalable approach. And it’s not going to give
consumers access to every one of their cards that they have
in their leather wallet in their phone. PENG YING: So we’re trying
to simplify it as much as possible for everybody. ROBIN DUA: Exactly. PENG YING: Ideally, it’s one
click, add my card to Wallet, and then you’re done. ROBIN DUA: That’s it. That’s it. And we wanted to make the Wallet
user experience, from the time of enrollment to
using it, super simple. And I think we’ve done that. PENG YING: Nice. Nice. So it looks like– wow. MIHAI IONESCU: Well,
we have so many questions on the moderator. I was watching it while
you were talking. And I see hundreds of people,
thousands of votes. So I think we answered and
touched on a lot of the topics in the questions here. I’ll go through a few of them
and if you can do a brief recap of what we said. And then I’ll try to
pick a few that haven’t been answered. So of course, one of the
big ones is adoption. NFC payments seemed to be
limited to gas stations, general stores, and some few
other stores out there. What are we doing to encourage
merchants and other companies and vendors to adopt
Google Wallet? ROBIN DUA: Right. So historically, what we’ve
seen over the last little while is large merchants have
typically been the ones to adopt new point-of-sale
technology. And this has been applicable
to contactless as well. So you’ve seen the large
retailers integrate contactless into their
point of sale. And now what we’re starting
to see is that trend– or contactless adoption– is
moving down market into small to midsize retailers. And the card networks, as well
as merchant acquirers, are certainly pushing to get
contactless readers into those small to midsize retailers. Now from a Google perspective,
we’re creating some cloud-based tools that’ll make
it easy for small to midsize merchants to create loyalty and
coupon programs in a very inexpensive way and a very
cost-effective way that they haven’t had access to before. And all of those services work
in conjunction with the contactless user experience
with the phone. So I think that, plus the fact
that the cost on the readers is actually going down quite
significantly, we’re going to see greater penetration of NFC
into much smaller retailers over the next little while. MIHAI IONESCU: All right. PENG YING: And right now, it’s
any retailer that accepts PayPass, right, that accepts
the MasterCard PayPass, can accept Google Wallet
for a tap and pay? ROBIN DUA: That’s right. That’s exactly it. There’s about 200,000 merchant
locations in the US that have contactless readers where you
can use Google Wallet. Now, one thing to highlight is
all of these readers also accept card-based payments
with contactless. So what we’re trying to do is
actually piggyback off of the existing infrastructure that
retailers already have to enable payments using
Google Wallet. MIHAI IONESCU: A very popular
question on the moderator is, when will we be able
to pay other individuals with Google Wallet? ROBIN DUA: Well, that’s
a great question. And from our standpoint, we want
to create a wallet that actually allows you to leave
your leather wallet at home. And we’ve started with payment
cards, loyalty cards, and gift cards. We’re focused on getting
other types of credentials into the Wallet. So that’s one thing
that we’re doing. On the question of cash, a
wallet wouldn’t be fully functional if it also didn’t
allow users to manage their currency and transact not only
with businesses, but also with end users as well. So these are some things
that we’re looking at. And from our perspective,
we recognize that there is a need. And stay tuned for some
announcements there over the next little while. PENG YING: Stay tuned. So then I don’t even
need my money clip. I can just carry around
the phone. But what happens if that phone
runs out of power? ROBIN DUA: Well. PENG YING: That’s a
tough question. ROBIN DUA: That is
a tough question. Battery life is getting
better. MIHAI IONESCU: That’s
for another session. PENG YING: Save that
one for next time. MIHAI IONESCU: Yeah. We’ll save it. ROBIN DUA: Yeah, exactly. MIHAI IONESCU: So we have a
question here for someone who is both a developer
and a merchant. He uses Google Wallet on his
website to charge users but wants to take Wallet payments
from customers at local fairs. So he’s selling stuff at local
fairs or the farmers market. Was that possible? Would that be possible? Is that possible? ROBIN DUA: Yeah. Absolutely. So if the individual has a
point-of-sale terminal, they could actually get a contactless
reader, which would allow them to accept
contactless payments using cards, but also Google Wallet
payments using an NFC device. And there’s a lot of contactless
readers that are already built into point-of-sale
terminals. Some of the newer ones, it’s
all fully integrated. But the individual
could also get a standalone contactless reader. Just plug it into a
point-of-sale terminal that they have for credit
card transactions. PENG YING: Right. I got a question here. So let’s say that I’m not on one
of the supported networks. Is there anyway for
me to use wallets? The question here is, I’m still
unable to get Google Wallet on my Verizon
Galaxy Nexus. Will that change now that FCC
has made it clear that Verizon has no right to block
applications, ie, tethering apps? And why is there no other
way to download? ROBIN DUA: Right. So we have two carrier partners today, Virgin and Sprint. And all the NFC devices
that we support work on those networks. Now, there are a handful of NFC
devices that you could go out and buy at places
like Best Buy. These are devices that
would be unlocked. And you can actually use them
on the other networks and download Google Wallet from the
Play store and use Google Wallet that way. We are working on expanding
our carrier distribution. And we are actively in
negotiations with a number of other carriers and hope to
announce some partnerships there soon. That will also give users
the ability to use Wallet on other networks. PENG YING: Got it. Cool. MIHAI IONESCU: We have a
question about the Isis technology. Do we have anything? PENG YING: What’s
the question? MIHAI IONESCU: The question
is, do you plan on integrating, partnering with the
Isis technology that the wireless carriers
are supporting? ROBIN DUA: Well, Isis
has a very different approach than we do. I talked a little bit about the
differentiator between our cloud-based approach and the
approach where a number of other wallet providers, and Isis
included, are working on direct provisioning of cards
from an issuer to the secure element, in their case,
the SIM in the phone. We just don’t think that model
is scalable for the simple reason that, as I mentioned
earlier, there’s 8,500 issuers in the US. And it literally will take them
a lifetime to actually work through negotiations
with all these issuers. And keep in mind, it’s not just
about getting payment cards into the phone. People want a wallet that works
with loyalty, with gift cards, with identification,
boarding passes, with all these other credential types. And we think what we’ve done
is made it super simple for you to store any of
these digital objects into the Wallet. We obviously don’t have support
for all of them today, but we’re working
towards that. And we just think the
cloud-based approach that we’ve adopted is better for the
end user, but also better for partners. PENG YING: I have another one. I want to use Google Wallet to
pay for bus and train rides. Will Google be working with
Metro to have this become a possibility? ROBIN DUA: So transit is a
really important use case. And people ride transit
systems daily, multiple times a day. And there’s a great opportunity
here to simplify the payment experience because
I’ve always got my phone in my pocket or on my waist. And just taking it out and
tapping is a great way to simplify the user experience so
I don’t have to fumble and find my card in my wallet. But also, there’s an added
benefit which is buying a pass through the Wallet becomes
a lot easier. I don’t have to go to the local
convenience store or stand in line at the metro
station to actually buy a pass every month. I could actually do that through
the Wallet over the next little while. I could also see– if it’s a stored value type of
pass, I could see the balance on the pass. So these are some of
the reasons why transit is really important. And we’re certainly working
towards getting transit passes into the Wallet as well. PENG YING: Cool. MIHAI IONESCU: I have a question
about someone who wants to use the ATM
with the Wallet. Can we add ATM cards
to the Wallet? And have we talked with any
ATM manufacturers to use Wallet on ATM machines? ROBIN DUA: There’s been some
discussion about ATM manufacturers integrating
contactless or NFC technology into the ATMs. We think it’s probably a
little bit further out. It’s not something that we’re
focused on at this point. PENG YING: So this guy
has a suggestion. But I think we cover the cases
already right now, but I’m not quite sure. So the question is, I’d like
to integrate location-based awareness to Wallet and
adding retailers. When I go to Starbucks, I
want my card to pop up and Wallet to pay. When I go to movie theater,
I’d like my AMC card to be integrated so I can
pay with Wallet. I feel like we would pass both
if they’re already integrated with our APIs, right? ROBIN DUA: Yeah. I think what the user’s
referring to is how can we simplify the user experience so
that maybe the relevant set of gift cards or coupons
actually pop up when I’m in that store or in the vicinity
of that store. Location-based services using
geo-fencing or GPS technology is something that we’re
actively looking at. And we’re always working towards
simplifying the user experience so that you don’t
have to do things with as many clicks on the phone. So, you won’t have to, as an
example, go in, find the Wallet application, launch
it, and then go into the right tab. It would automatically pop up on
the main screen when you’re in that store. So these are some of the things
that we’re looking to simplify in terms of
user experience. And you’ll start to see
enhancements to the product over the next little while
that’ll take advantage of location-based services. PENG YING: Cool. Let’s do two more questions
and then– MIHAI IONESCU: Two
more question– PENG YING: –call it a day. MIHAI IONESCU: –and yeah, we’re
running out of time. So we got quite a few questions
about loyalty cards and the discount programs. I know you touched on it
a little bit earlier. Can you summarize what we’re
doing along those lines and make it easier for both
merchants and users to very easily use all kind of coupons
and loyalty points? ROBIN DUA: Right. So I talked a little bit about
the Save to Wallet button that we launched at Google I/O, which
allows a user to save offers to their Wallet. And we also enabled the Save to
Wallet button to work for issuer cards directly through
internet banking, as well as mobile banking applications. You could imagine a whole
ecosystem being built around that Save to Wallet button. So it becomes a lot easier
when you are on a partner website and you want to actually
save, whether it’s a boarding pass or a loyalty
card or a gift card, to the Wallet. And we’re looking at opening
those APIs to other partners so that things like loyalty
cards, like you mentioned, will become easier to be
saved to the Wallet. The other thing that we’re
doing just on the loyalty front is we want to make it
really easy for retailers to create their own loyalty
programs using tools that we offer. So we’re looking to create
some cloud-based services that’ll allow small merchants,
but also the largest retailers, to actually take
advantage of tools to customize loyalty programs so
that they don’t have to invest in software and point-of-sale
infrastructure to enable loyalty programs. PENG YING: There you go. MIHAI IONESCU: One more. PENG YING: And then last one. You know, I’ve read a few
stories with events kind of similar to this, but this
one’s a good one. I’ve been to McDonald’s and
I tried to pay with Google Wallet three times. It’s only worked once. Are there any issues
with stability? Or what are we doing to
make it more stable? ROBIN DUA: There are some retail
locations where there may be some issues with the
contactless reader. We would encourage the user to
report those issues to the retailer themselves so they
could actually address those reader issues. Users could also log
an issue through the application itself. We’ve got a section in the
application, in the help section, where users could
report issues that they’re encountering related to these
types of reader issues. We’re working with merchants,
the card networks, acquirers to address proactively
any reader issues that are surfaced. We are looking for ways to
implement more automated technology to detect reader
issues with some of our partners and trying to address
these problems much, much faster so that users don’t
encounter issues like that. PENG YING: Got it. ROBIN DUA: All right. MIHAI IONESCU: Good. PENG YING: And with that. MIHAI IONESCU: So we’ll
wrap up here. Thank you, everyone,
for watching. And of course, thanks, Robin,
for graciously agreeing to come on the session. Remember, this is available
on Google Developers channel on YouTube. You can watch it anytime
you want. We have sessions every
two weeks. And we hope to see Robin again
soon on a another session. ROBIN DUA: Well, thanks very
much for having me, guys. And to all of you watching, go
to and sign up for a Wallet account there. MIHAI IONESCU: All right. OK. PENG YING: See you
in two weeks. MIHAI IONESCU: See
you in two weeks. Bye.

One Comment

  • Fazendo_Justiça A_Verdade

    Taking advantage of the space. 
    The Truth 
    Digital Portfolio, Portfolio or electronic (Google Wallet), Intellectual Property Gaston Schwabacher, PI9500345 patent 
    Principles of Google. "Location: Do not be evil." "You can make money without doing evil."
    Gaston Schwabacher Location: Not Deny merits OS to Google 
    But Gaston Schwabacher like to receive royalties from intellectual property. PI9500345 
    Help! Help! Help!
    Thanks for the space!

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